xchevellphil,it sounds like your in your early 20's???don't exspect to much man, your young,got a family and all the other things that are essential that it takes to support your family.
Your wife gets her career going things will change.
I'm 47 years young and I figure my fun and finacial freedom has just begun,I lucked out on finding a girl that was a real go getter,we paid are first house off about 10 years ago and still live in the same house,she works at General Motors and I work at a feed mill not great money but it's ok. sure I had the toys over the years and I seen the toys go too over the years but today I have the toys back again and enjoying them with my family the way you will to some day.
Hang in there Phil things will get better,your young and it sounds like your going about it the right way